The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$26,949
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,787
−HK$852/mo
Today · 4.125%
HK$28,639
baseline
▲ 0.50% · 4.625%
HK$30,381
+HK$1,742/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$57,278/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,980
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,784
−HK$816/mo
Today · 4.125%
HK$31,600
baseline
▲ 0.50% · 4.625%
HK$33,266
+HK$1,666/mo
Deposit HK$5.91M · loan HK$5.91M · min. income ≈ HK$63,200/mo (50% DSR)
Upfront cash ≈ HK$6.35M (deposit + AVD stamp duty HK$443,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,338
−HK$2,028/mo
▼ 0.25% · 3.875%
HK$33,344
−HK$1,022/mo
Today · 4.125%
HK$34,366
baseline
▲ 0.50% · 4.625%
HK$36,457
+HK$2,091/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$68,732/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,976
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$36,941
−HK$979/mo
Today · 4.125%
HK$37,920
baseline
▲ 0.50% · 4.625%
HK$39,919
+HK$1,999/mo
Deposit HK$4.73M · loan HK$7.09M · min. income ≈ HK$75,840/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$443,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,728
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,902
−HK$1,192/mo
Today · 4.125%
HK$40,094
baseline
▲ 0.50% · 4.625%
HK$42,534
+HK$2,440/mo
Deposit HK$3.55M · loan HK$8.27M · min. income ≈ HK$80,188/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,972
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,098
−HK$1,142/mo
Today · 4.125%
HK$44,240
baseline
▲ 0.50% · 4.625%
HK$46,572
+HK$2,332/mo
Deposit HK$3.55M · loan HK$8.27M · min. income ≈ HK$88,480/mo (50% DSR)
Upfront cash ≈ HK$3.99M (deposit + AVD stamp duty HK$443,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,508
−HK$3,041/mo
▼ 0.25% · 3.875%
HK$50,016
−HK$1,533/mo
Today · 4.125%
HK$51,549
baseline
▲ 0.50% · 4.625%
HK$54,686
+HK$3,137/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$103,098/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,964
−HK$2,916/mo
▼ 0.25% · 3.875%
HK$55,411
−HK$1,469/mo
Today · 4.125%
HK$56,880
baseline
▲ 0.50% · 4.625%
HK$59,878
+HK$2,998/mo
Deposit HK$1.18M · loan HK$10.64M · min. income ≈ HK$113,760/mo (50% DSR)
Upfront cash ≈ HK$1.63M (deposit + AVD stamp duty HK$443,185 · Scale 2, in force from 26 Feb 2026)